非常感谢你上传的资料！如果能对文献做一下简单介绍就更好了！

已补充说明。多谢版主

Maddaloni and Peydroo RFS 2011那篇有点意思！

“We find that low (monetary policy) short-term interest rates soften standards, for household and corporate loans. This softening – especially for mortgages – is amplified by securitization activity, weak supervision for bank capital and too low for too long monetary policy rates. ... Countries with softer lending standards before the crisis related to negative Taylor-rule residuals experienced a worse economic performance afterwards”